Credit Card Test

Select the answer that best describes your situation in each question
below. When you're finished, click Add Up My Points.

Dependents (including yourself) Score:
One
2		 Two
2		 Three
2		 Four
1		 Five+
1

Residence Score:
Living With
Parents
1		 Rent
Furnished
1		 Rent
Unfurnished
3		 Own Home
Mortgaged
5		 Own Home
Clear
7

Years At Present Address Score:
Under 2
years
1		 2 to 4
years
1		 5 to 8
years
3		 9 to 14
years
4		 15 years
or more
5

Years At Previous Address Score:
Under 2
years
1		 2 to 4
years
1		 5 to 8
years
3		 9 to 14
years
4		 15 years
or more
5

Gross Monthly Salary Score:
Under
$1,500
1		 $1,501 to
$2,500
2		 $2,501 to
$2,900
4		 $2,901 to
$3,800
7		 $3,801 to
$5,000
10		 Over
$5,000
12

Additional Monthly Income (spouse's income, investments, etc.,) Score:
Under
$500
1		 $501 to
$1,000
2		 $1,001 to
$1,500
2		 $1,501 to
$2,000
3		 $2,001 to
$2,500
4		 Over
$2,500
6

Years With Present Employer Score:
Under 2
years
1		 2 to 3
years
2		 4 to 6
years
3		 7 to 10
years
5		 Over 10
years
6

Years With Previous Employer Score:
Under 1
year
1		 1 to 3
years
2		 4 to 6
years
3		 7 to 10
years
5		 Over 10
years
5

Percent Of Monthly Income Remaining After Expenses Score:
Under
10%
1		 10% to
15%
2		 16% to
25%
3		 26% to
33%
4		 Over
33%
5

Bonus Points (add up all that apply - maximum 3 points) Score:
Bank Credit
Card
1		 AMEX or
Diners Card
2		 Oil Company
Card
1		 Department
Store Cards
1		 Other Credit
Cards
2

To Find Out What Your Score Means, Click HERE

This chart is for your information only. It does not include all of the factors we
consider in evaluating a loan request such as your payment history and your ability
to meet your monthly obligations. We reserve the right of final loan approval.

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